Post-Separation Mortgage Strategy
Navigate your next chapter with clarity and support
Going through a separation or divorce is never easy — emotionally or financially. At Valko Financial, we’re here to help you take control of your next chapter with non-judgmental, personalized guidance that puts your future first. Whether you’re navigating a buyout, refinancing on your own, or looking to secure a new place to call home, we’ll build a plan that supports your stability, independence, and peace of mind.
From removing or adding names on a mortgage, to consolidating joint debt or accessing equity, we work closely with lawyers and mediators to ensure your financial transition is as smooth as possible. You don’t have to figure it all out alone — we’re here to help you move forward with confidence.
This service is ideal if you’re separating and want to stay in your home, plan to buy independently, or need to protect your credit and financial future during a split.
Can I qualify for a mortgage on my own after a separation?
Yes — even if your income or financial situation has changed. We’ll help you understand your borrowing power, explore lender options, and create a strategy to qualify based on your new circumstances.
How do I remove my ex-partner’s name from the mortgage or property title?
This typically involves refinancing the mortgage in your name alone and updating the legal ownership through your lawyer. We’ll guide you through each step and work with your legal team to make the process as smooth as possible.
What if we have joint debt — can that be separated too?
Yes. Refinancing or debt consolidation can help divide joint liabilities and protect your credit. We’ll help you create a plan to manage debt fairly and minimize the long-term financial impact of your separation.
This is the second time dealing with Valko Financial and we are so glad we did. We as Seniors are very grateful, impressed, and relieved to have dealt with the Valko team who advised us and used their professional expertise to secure our new mortgage. Interceeding on our behalf to iron out any challenges during the process to ensure an excellent result. All of this was done with a friendly informative and unintimidating manner. I would definitely highly recommend you give them a call for your financial needs.
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Susan Kormylo
4 years ago
My boyfriend and I used Valko Financial to buy our first house together! We had an awesome experience with Nikki as our mortgage broker! She was prompt, friendly and very professional! She made the process very easy to understand, took her time and was attentive with any inquiries!! Nikki and the Valko team made the experience really good!
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Stephanie Moni
1 month ago
Dealing with Tracy Valko , specifically Cindy White, is always a pleasure. This team is knowledgeable and always quick to answer questions. We trust working with this team and would recommend them to anyone seeking a mortgage broker! Thank you Cindy for your help on our 2025 renewal!
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Tanya Vlahovic
1 month ago
Ready to explore your options?
Let’s chat about your goals and see if refinancing makes sense for you. We’ll run the numbers, compare your options, and help you make a confident decision.